Residential Private & HDB Home Loans - HDB, EC, Apartment, Condo, Landed Property

Compare Latest Lowest Cheapest Best Residential Home Loans - Completed/Under-Construction BUC BTO/New Purchase/Refinancing - HDB, EC, Apartments, Condo, Landed PropertyLatest Promotions (New Purchase / Refinancing):




Building Under Construction


1st yr From 1.45% - 1.68%
From 1.28% - 1.88%* Crazy Rates, Ask!
2nd yr From 1.45% - 1.68% From 1.28% - 1.88%* Crazy Rates, Ask!
3rd yr From 1.45% - 1.68% From 1.28% - 1.88%* Crazy Rates, Ask!
Lock in period 1 - 3 years 0 - 3 years Nil
Prepayment allowed 1.50% Yes / No Yes
Legal Subsidy Yes, for refinancing Yes, for refinancing No
Interest Offset No Yes No
Interest Reference Fixed Rates Fixed Deposit Pegged / Sibor Fixed Deposit Pegged / Sibor
Complimentary TM MosBite Protect TM MosBite Protect TM MosBite Protect

*Based on current Sibor/SOR rates. Minimum loan amount may apply. Contact us for full list of details and offers.


Features and Benefits:

  • Fixed Rates (1-5 years) 
  • Fixed Deposit Pegged
  • Sibor Pegged
  • SOR Pegged
  • Variable Board Rates
  • Sibor / SOR Pegged throughout
  • Hybrid Combination of Sibor and SOR Pegged
  • Hybrid Combination of Fixed and Variable Rates
  • Deposit Matching Interest Offset
  • Constant Principal Repayments
  • Free Conversion
  • Legal subsidy (For Refinancing Only)

Features of residential home loans include but are not limited to lock in period, prepayment penalties, legal subsidy, valuation subsidy, quantum of financing, loan tenure and bank valuation. Other lending characteristics may also vary between different banks and lenders.


Types of Borrowers:

A residential property loan can be made secured against 3 types of borrowers:

  • Individual Names
  • Investment Holding Companies
  • Operating companies


Our Brokerage Services:

  • New Purchase (Completed / Under-Construction)

We provide mortgage comparisons from over 18 banks and finance houses for the finest and widest selections of home loans. Loan to value lending limit is capped at 80% financing quantum.

  • Refinancing / Remortgaging

Refinancing your residential home loan after your lock in period may provide you with thousands of dollars in savings. Legal and valuation subsidy plans available.

  • Property Cash Out Loan / Equity Term Loan (Not applicable for HDB flats)

If your residential property has appreciated in value over the years, an additional cash out property term loan will allow you to cash out the excess equity of your property.

  • Fractional Part Purchase Mortgages

Due to a change in situation and needs, a couple or borrowers may need to decouple their housing loans. Example. A couple undergoing a divorce matter.  Borrower A will purchase over borrower B part share of the house. Other scenarios or situations may apply for part purchase mortgages.

  • TDSR Exemptions

Having your home loan application rejected with your existing lender when you tried to reprice your mortgage with them due to TDSR (Total Debt Servicing Ratio)? As different banks have different TDSR exemption policies in excess of MAS guidelines, we can help you find the right banks to refinance your mortgage and enjoy lower interest repayments.

  • Debt Consolidation and Restructuring (Not applicable for HDB flats)

We work with alternative non-bank private financial lenders to provide bespoke customised secured lending solutions to help borrowers raise capital, consolidate and restructure their debt.

  • Indicative Property Valuation Check

If you have would like to conduct an indicative valuation check, kindly text us details of the property like the address, build in area and asking price. Further information like land area, age, types of property, types of tenure, number of storey are required for indicative for landed properties.


Application Process - Step by Step Guide:

>> Step 1

  • Contact us via phone/sms/web contact form.
  • Fact finding/Phone discussion.
  • Email rates/proposal for consideration.

>> Step 2

  • Appointment/Discussion.
  • Application submission.
  • Lender's credit underwriting & approval.

>> Step 3

  • Approval & issuance of lender's offer letter.
  • Acceptance of offer letter.
  • Completion/Settlement.

Contact us for a discussion today!